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ICICI Lombard Health Insurance Top Up Plans
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If you find yourself exhausting your health insurance coverage frequently, a top up health insurance plan can help you. These plans offer an additional sum insured over a specified deductible limit once your base coverage is exhausted. ICICI Lombard offers affordable top up insurance plans. Whether you are looking for simple top-up health insurance or an emergency medical or hospital package, ICICI Lombard top up health insurance plans can provide the right options and solutions to meet your needs.
As one of the most promising general insurance providers in India, ICICI Lombard General Insurance Company Limited creates its name by providing a huge range of health insurance policies. The top up plan from this company offers coverage including in-patient treatment, day care treatments, in-patient AYUSH treatment as well as optional add-on covers like critical illness, etc.
This page will provide an in-depth description of the top up policy of ICICI Lombard health insurance.
ICICI Lombard Health Insurance Top Up Plan Highlights
Everyone needs health insurance. Whether you are in good condition or have been hospitalised due to stress, health insurance ensures maximum care for yourself. If you find yourself repeatedly exhausting your health insurance coverage, an ICICI Lombard top-up health insurance plan can assist. Once your basic coverage is gone, this plan provides an extra sum insured over a set deductible limit.
The highlights of this ICICI Lombard health insurance super top up plan include:
- The sum insured ranges from INR 5 lakhs to INR 50 lakhs.
- The deductible amount options include INR 3 lakhs, INR 4 lakhs and INR 5 lakhs.
- 10% discounts for a 2-year and 12.5% discounts for a 3-year policy term.
- Cashless treatments provided at 6700+ network hospitals
- Cashless claims settled in 4 hours and reimbursement claims settled in 14 working days
- Medical tests are not mandatory for everyone.
Types of ICICI Lombard Health Top Up Plans
Here are the ICICI Lombard health top up plans:
- Health Booster Policy
|INR 5 lakhs to INR 50 lakhs
|INR 3 lakhs to INR 5 lakhs
|1, 2, 3 years
ICICI Lombard Top Up Plan: Key Features and Benefits
When you decide to top up ICICI Lombard health insurance plans, you will receive the following benefits:
- High Sum Insured
A high sum insured is beneficial to health insurance policyholders. Its most significant role is in easing the burden on those who suffer from illness and accidents so they can focus on their recovery. This is because a high sum insured gives its policyholders some cash to cushion them through their difficult times. This money can be used as an extra income or even as capital assets. The ICICI Lombard health insurance super top up plan - Health Booster offers a sum insured of INR 5 lakhs to INR 50 lakhs. The premium is charged as per your sum insured and deductible amount.
- Large Network of Hospitals
When it comes to healthcare and insurance, people want the best they can get — but they also want the most convenient experience. What many of us don't realise is that we can have both. Cashless health insurance improves efficiency, provides convenience and makes financial management easier. An extensive range of 6,700 ICICI Lombard network hospitals only helps you access cashless treatment seamlessly. All you need to do is present your ICICI Lombard health insurance card and a government-approved photo ID proof, preferably an Aadhaar Card, to the hospital desk.
- Quick Claim Settlement
Taking the time to file a claim and defend it through the legal process can be time-consuming. Claim settlement happens by phone, email or even a simple meeting. Quick claim settlement is beneficial to health insurance policyholders because they don't have to wait multiple weeks or longer to receive their money. According to ICICI Lombard, cashless claims are settled in 4 hours and reimbursement claims are settled in 14 working days.
- Tax Benefits
As per Section 80D of the Income Tax Act, health insurance policyholders get tax breaks. While those aged below 60 years have a tax deduction limit of INR 25,000, those above will have INR 50,000 as a tax deduction limit. Both these include a tax deduction for preventive healthcare of up to INR 5,000.
Inclusions of the ICICI Lombard Health Insurance Top Up Policy
The ICICI Lombard health insurance super top up plan coverage includes:
- In-patient treatment
- Day care treatments
- In-patient AYUSH treatment
- Organ donor expenses
- Road ambulance cover
- Pre-existing diseases cover
- Family floater benefit
- Lifetime renewals
- Domiciliary hospitalisation
- Reset benefit
- Wellness program
- Hospital daily cash
- Convalescence benefit
- Personal accident cover
- Repatriation of remains
- Temporary total disablement rehabilitation cover
- Critical illness cover
Exclusions of the ICICI Lombard Health Insurance Top Up Policy
The policy exclusions include:
- Disease claims within their specified waiting terms
- Outside India treatments
- Drug or alcohol abuse
- Self-harm or suicide attempts
- Dental treatment (unless necessary for treatment)
- Breach of law
- War or civil war operations
- Hazardous sports
- Hearing impairment correction
- Refractive error correction
|Min. Age Requirement
18 years for the proposer
6 years for dependent children under the individual plan
|Individual / Family Floater
Things to Consider When Buying ICICI Lombard Health Insurance Top Up Plans
Here are a couple of things you need to consider when buying ICICI Lombard health insurance top up plans:
- Sum Insured
The sum insured is the coverage value you will get from the top up insurance plan. So, the higher the amount of sum insured, the better coverage you will get. The ICICI Lombard health insurance top up policy sum insured ranges from INR 5 lakhs to INR 50 lakhs. However, it needs to be noted that a higher sum insured comes with a higher deductible amount.
- Deductible Amount
A deductible is the minimum amount you need to spend for the top up health insurance coverage to kick in. This amount can both be self-funded or deducted from a base health insurance plan. The ICICI Lombard health insurance top up policy offers INR 3 lakhs, INR 4 lakhs and INR 5 lakhs as the deductible amount.
- Premium Amount
Do check the premium offered in lieu of the ICICI Lombard health insurance top up plan. The premium you pay should benefit you adequately in return. Like normal health insurance plans, even ICICI Lombard health insurance top up plans come with add-on options. If you choose any of these options, it will add to your premium. So, check the worth of the add-on and the premium payable for the same.
How to Buy ICICI Lombard Health Top Up Policy?
The following is a description of exactly how to top up ICICI Lombard health insurance:
- Visit Paytm Insurance.
- Select 'health insurance.'
- Choose 'ICICI Lombard' from the listing of eligible health insurance companies.
- Fill up and send the brief survey.
- Input your present pin code as well as your age.
- Hit the 'get quotes' button to be taken to a realm of healthcare insurance options from your chosen insurance company.
- Evaluate the available health insurance policies and buy the one that best matches your needs online.
ICICI Lombard Health Insurance Top Up Plans FAQs
1. What is the highest sum insured I can get from ICICI Lombard health insurance top up plans?
The highest sum insured amount is INR 50 lakhs.
2. What is the lowest deductible amount can I opt for from the ICICI Lombard health top up policy?
The lowest deductible amount is INR 3 lakhs.
3. Does the ICICI Lombard health top up cover include alternative treatment?
Yes. The policy offers AYUSH treatment coverage.
4. Is critical illness cover included within ICICI Lombard health insurance top up plans?
Yes. Critical illness coverage is available as an add-on option.
5. How much time does the claim settlement take for ICICI Lombard health insurance top up plans?
Cashless claims are settled in 4 hours and reimbursement claims are settled in 14 working days.
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